My standard 9mm competition load is 124gr FMJ over 4 gr Titegroup.
It chromos PF 120 in my Shield, PF128 in my 4 1/4" M&P and PF 133 in my 5" M&P. Notice that does not follow any of the "General Rules."
Until you chrono the loads of interest in YOUR gun, you don't know squat....no matter how much fun it is to guess.

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Science plus Art